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The Salary Benefit Plan is a specialized Shariah-compliant solution designed for salaried individuals, requiring a minimum collective participation of ten employees from a single organization. It serves as a comprehensive financial vehicle that integrates long-term savings growth with a robust safety net for dependents. Catering to participants between the ages of 18 and 60, the plan offers a highly customizable term, ranging from 10 to 30 years, or until a maximum maturity age of 75. Accessible through modest contribution thresholds, starting at PKR 500 per month, it allows employees to build a sustainable financial legacy while maintaining the flexibility to choose their investment risk profile. The plan’s most distinctive feature is its commitment to family continuity, providing a Family Income Benefit that ensures a steady stream of financial support following the participant's demise, thereby preventing economic instability for the bereaved.
Tailored for salaried employees with a minimum requirement of ten participants from the same institution.
Offers a wide coverage window with plan durations of 10 to 30 years, accommodating a maximum maturity age of 75 years.
Participants have the autonomy to allocate their contributions across Aggressive, Income, or Balanced funds based on their personal risk tolerance and financial goals.
Designed for all salary levels with minimum payments starting at PKR 500 monthly, PKR 3,000 quarterly, PKR 4,000 semi-annually, or PKR 5,000 annually.
Provides a critical safety net where, upon the participant's death, an additional annual income ranging from 5% to 10% of the Sum Covered is paid to the family for up to ten years.
Features a structured Loyalty Reward system where participants receive bonuses of 3% of the basic Sum Covered at year 11 and every five years thereafter until the plan's conclusion.
Upon successful completion of the term, a Terminal Bonus equal to 10% of the basic Sum Covered is awarded to participants who have maintained consistent contributions.
Upon maturity, participants receive the full PIA Cash Value plus the PTF surplus; in the event of death, beneficiaries receive the Sum Covered alongside the current investment value.
What does “guaranteed acceptance” mean?
Can I change my contribution later?
How is my savings value determined?
Are there surrender charges?
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